Vacations, new cars, fancy hotels, eating out! We all dream about such lavish desires at one point or another in life. We all love vacations. I like traveling and I always fancied traveling for a […]

I grew up in rural Nepal, far away from big cities. My parents had a decent income in Nepali standard, I would say a middle-class income. How much is that in dollars? My dad’s highest […]

Colleges are expensive in America and most people come out of them with a large debt. But it does not necessarily have to be that way. I went to college/university for 7 years of my […]

I live in Michigan and it snows quite a lot here. Recently, I moved to an apartment less than a mile away from work. Next thing, I started walking to work about two months ago and […]

I have written before about 4% withdrawal rate. It is a considered to be a safe withdrawal rate for retirees. However, I admit that it is not perfect. Historical data for ROI and inflation I […]

I do not follow the news media. But some of that still makes it to my world once in a while. Rich people being “greedy” and paying less in taxes is sometimes reported in them. […]

Most people think million dollars is enough savings for you to retire. Personally, when I reach my first million, I will pack my bags and leave for a new adventure. Others say a million is […]

Financial freedom is having enough passive income from your investment or businesses so that you can choose not to work if you don’t want to. Passive income is the income generated without having to work for it. Interests, […]

Financial Independence (FI) gives you the freedom to do what you want in your life without having to worry about money. Unfortunately, not very many people have discovered this concept. Whoever has discovered it and eventually achieved […]

There are a lot of blogs on Financial Independence (FI) and Early Retirement (ER). If you spend some time on the internet, you can find a lot of these FI/ER blogs or communities. In fact, I […]